Total monthly cost of ownership
Cost to Own a Home in Clinton, North Carolina
A $186,000 home here costs
$1,584per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $68,000 a year.
A standard mortgage calculator would have told you $1,014. The real number is $570 higher every month, 56% more than the payment most buyers budget for.
Compare Sampson County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Clinton against Sampson County and North Carolina
| Measure | Clinton | Sampson County |
|---|---|---|
| Median home value | $185,600 | $128,400 |
| Median property tax | $1,527 | $1,051 |
| Effective tax rate | 0.823% | 0.819% |
| Median gross rent | $754 | $811 |
| Population | 8,336 | 59,245 |
The weather behind that power bill
Clinton sits in Sampson County, which averages a high of 89.5°F in its hottest month and a low of 32.1°F in its coldest, with 51.01" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 1,778 cooling and 3,022 heating degree days, which is what sets the $152 electricity line above.
See the full climate breakdown for Sampson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sampson County
Full Sampson County cost breakdown · Every county in North Carolina
Talk to someone who works this market
These are Clinton averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Clinton every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Clinton I already own here and may sell
Common questions
How much does it cost to own a home in Clinton?
A $186,000 home in Clinton, North Carolina costs approximately $1,584 per month with 20% down at 7.24%. That is $1,014 principal and interest, $128 property tax, $67 homeowners insurance, $220 utilities and $155 set aside for maintenance.
What is the property tax rate in Clinton?
Clinton has an effective property tax rate of 0.823%, based on a median home value of $185,600 and median real estate taxes of $1,527. That is in line with the Sampson County average of 0.819%.
What is the average home price in Clinton?
The median owner-occupied home value in Clinton, North Carolina is $185,600, against $128,400 across Sampson County.
Is it cheaper to rent or buy in Clinton?
Median gross rent in Clinton is $754 a month, against $1,584 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Clinton?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Clinton, North Carolina at today's rate takes a household income of roughly $68,000 a year. That covers the full $1,584 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Clinton, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for North Carolina.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.